Stocks · Financial Services · Banks - Regional
FirstSun Capital Bancorp FSUN
$39.45 -0.18% Close, Oct 5, 2026 · NASDAQ · Market cap $1.85B
Next earnings report: Oct 26, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin narrowed to 10.4% from 20.4% a year earlier.
- The shares trade at 23.9× trailing earnings, higher than 95% of the company's own readings over the past five years.
- Diluted EPS over the last four quarters was $1.65, down 47.3% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 46%
- EPS growth (TTM, YoY)Bottom 14%
- FCF growth (TTM, YoY)Top 1%
- Revenue growth, 3-year CAGRTop 39%
- Revenue growth accelerationTop 37%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 33%
- Gross marginBottom 29%
- Operating marginBottom 22%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Top 13%
- Net debt / EBITDA (lower is better)Top 3%
- Interest coverBottom 18%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 38%
- Free-cash-flow yieldTop 4%
- EBITDA / enterprise valueTop 49%
- Sales / enterprise valueTop 24%
- P/E vs own 5-year history (lower is better)Bottom 7%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 42%
- 6-month returnTop 38%
- 1-year return vs S&P 500Bottom 37%
- Distance from 52-week highTop 33%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 50%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyTop 2%
- Upside to consensus price targetBottom 48%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 25%
- Maximum drawdown, 3 yearsBottom 43%
- Beta vs S&P 500 (lower is better)Bottom 41%
- Net debt / EBITDA (lower is better)Top 3%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 6.7% | 7.6% | ↑ |
| EPS growth (YoY) | 10.1% | -47.3% | ↓ |
| Gross margin | 68.1% | 55.5% | ↓ |
| Operating margin | 20.4% | 10.4% | ↓ |
| FCF margin | 16.0% | 197.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 7.6% | 6.7% | ↑ | Top 46% |
| EPS growth (TTM, YoY) | -47.3% | 10.1% | ↓ | Bottom 14% |
| Gross margin | 55.5% | 68.1% | ↓ | Bottom 29% |
| Operating margin | 10.4% | 20.4% | ↓ | Bottom 22% |
| Net margin | 8.0% | 16.3% | ↓ | — |
| Free-cash-flow margin | 197.0% | 16.0% | ↑ | — |
| Return on invested capital | 0.3% | — | Bottom 33% | |
| Revenue growth, 3-year CAGR | 17.9% | — | Top 39% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -7.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.9%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -107.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -10.49×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 0.08%
- Shareholder yield
- 0.08%
- Share count change, 1 year
- +0.2%
- Share count change, 3-year CAGR
- +4.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +4.8%
- Average 2-day reaction, last 8
- +0.3%
- Positive 20 days after report
- 1 of 8
Analysts
- Consensus price target
- $45.33
- Target vs current price
- +14.9%
- Analysts with a rating
- 4
- Share rating Buy or Strong Buy
- 100%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 27, 2026 | +24.1% | +0.9% | +12.1% | +16.0% | — |
| Apr 27, 2026 | -6.7% | +1.0% | -6.0% | -7.3% | -11.3% |
| Jan 26, 2026 | +10.5% | +0.1% | +4.5% | -1.7% | +0.9% |
| Oct 27, 2025 | -8.9% | -0.7% | -15.8% | -18.0% | -1.3% |
| Jul 28, 2025 | +2.2% | +1.1% | -10.3% | -3.5% | +1.7% |
| Apr 28, 2025 | +5.1% | -0.0% | -0.6% | -1.8% | +9.9% |
| Jan 27, 2025 | +6.2% | +0.5% | +2.7% | -0.6% | -15.4% |
| Oct 28, 2024 | -1.2% | -0.2% | -11.4% | -5.9% | +2.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 27, 2026 | $0.45 | $0.36 | +24.1% | $184.1M |
| Apr 27, 2026 | $0.84 | $0.90 | -6.7% | $110.0M |
| Jan 26, 2026 | $0.95 | $0.86 | +10.5% | $110.2M |
| Oct 27, 2025 | $0.82 | $0.90 | -8.9% | $109.2M |
| Jul 28, 2025 | $0.93 | $0.91 | +2.2% | $111.5M |
| Apr 28, 2025 | $0.83 | $0.79 | +5.1% | $96.2M |
| Jan 27, 2025 | $0.86 | $0.81 | +6.2% | $98.7M |
| Oct 28, 2024 | $0.84 | $0.85 | -1.2% | $98.2M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 23.9× | 11.2× | 95th | Bottom 38% |
| P/E (forward) | 11.9× | — | — | — |
| EV / EBITDA | 14.8× | — | — | Top 49% |
| EV / Sales | 1.84× | — | — | Top 24% |
| Free-cash-flow yield | 62.59% | — | — | Top 4% |
| Earnings yield | 4.18% | — | — | Bottom 38% |
P/E over the past five years
Range 7.4× – 24.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +1.5%
- Earnings per share growth (TTM)
- -47.3%
- Change in P/E multiple
- +115.0%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 49
- 50-day average slope (20 days)
- +3.0%
- 200-day average slope (20 days)
- +1.2%
- Distance from 50-day average
- -0.7%
- Distance from 200-day average
- +4.3%
- RSI (14)
- 50.4
- Relative volume
- 0.56×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 31.8%
- Volatility vs own 5-year history
- 68th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.78
- Correlation with S&P 500
- 0.37
- Current drawdown from 1-year high
- -4.7%
- Maximum drawdown, 3 years
- -31.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 25, 2022 | May 30, 2023 | -34.9% | 126 days | 274 days (Jul 30, 2024) |
| Feb 12, 2025 | Nov 17, 2025 | -31.4% | 192 days | Not yet recovered |
| Aug 19, 2024 | Nov 4, 2024 | -19.9% | 54 days | 27 days (Dec 12, 2024) |
| Dec 12, 2024 | Jan 13, 2025 | -15.0% | 19 days | 21 days (Feb 12, 2025) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.85B
- P/E (TTM)
- 23.9
- EPS, diluted (TTM)
- $1.65
- Revenue (TTM)
- $587.3M
- 52-week range
- $29.95 – $42.34
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $287.4M | $347.9M | $485.2M | $540.1M | $569.6M |
| Gross profit | $270.2M | $304.7M | $346.7M | $349.9M | $394.7M |
| Operating income | $51.8M | $74.0M | $131.5M | $95.1M | $125.1M |
| Net income | $43.2M | $59.2M | $103.5M | $75.6M | $97.9M |
| EPS (diluted) | $1.74 | $2.48 | $4.08 | $2.69 | $3.53 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $141.0M | $128.4M | $132.2M | $144.0M | $147.5M | $146.0M | $137.9M | $155.8M |
| Net income | $22.4M | $16.4M | $23.6M | $26.4M | $23.2M | $24.8M | $21.6M | -$22.9M |
| EPS (diluted) | $0.79 | $0.58 | $0.83 | $0.93 | $0.82 | $0.88 | $0.76 | -$0.81 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $113.1M | $96.9M | $125.2M | $101.1M | $111.5M |
| Capital expenditure | -$3.5M | -$2.2M | -$4.3M | -$5.4M | -$7.5M |
| Free cash flow | $109.7M | $94.7M | $120.9M | $95.7M | $104.0M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$456,000 | -$579,000 | -$167,000 | $82.3M | -$1.2M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $989.5M
- Total assets
- $15.72B
- Total liabilities
- $13.88B
- Total debt
- $222.7M
- Net debt
- -$766.8M
- Shareholders’ equity
- $1.84B
As of Jun 30, 2026 (filed Aug 10, 2026).
Short interest
- Shares sold short
- 1,305,607
- Days to cover
- 4.28
- Change vs previous report
- +8.1%
FINRA short interest, settlement date Sep 15, 2026.